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Area Credit Manager - Rajkot - Unsecured

Aditya Birla Group — Rajkot, RAJKOT

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Experience 8-10 Years yrs
Age 21-35 yrs
Gender Both
Salary Not Disclosed LPA
Department Sales Loans
Product Loans

Job Description

usiness

Financial Services

Unit

Aditya Birla Capital Limited

Location

 

Poornata Position Number of the job 

 

Reports to: Poornata Position Number

 

Poornata Position Title of the job 

Area Credit Manager – STSL

Reports to: Poornata Position Title

Circle Credit Head

Function

Credit

Reports to: Function 

Credit

Department

Retail

Reports to: Department 

 

Date of writing/ Updation of JD

6th March 2026

 

 

 

                                          

 

 

                                                                              


 

1)  Job Purpose: Write the purpose for which the job exists (in 2-3 lines)  

  • Responsible for ensuring sound understanding of credit policy across all relevant levels, in the team.
  • Maintaining Portfolio quality.
  • Assessing potential customers' creditworthiness.
  • Achieving Monthly Audit Targets
  • Managing a team of Credit Managers and mentor the team to achieve the business objectives
  • Collaborating with various stake holder with an aim of achieving overall business targets.

 

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.  

Business Workforce Number  

50 workforces including both on role (34) and off role staff (16)

Unit Workforce Number  

NA

Function Workforce Number  

NA

Department Workforce Number  

NA

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter 

 

Budget (Cr) FY 24 E closing book

2900

Volumes (no of files- logins) FY 24E 

15000

No of products

1 (STSL)

Geographies

No of locations

95

Tier-1

16

Tier-2

13

Tier-3

34

Tier-4

32

 

 

Portfolio Maintenance

Early Mortality (0-12 MOB) Cheque Bouncing not more than 9.00%

NPA% not more than 2.00% 

GNPA (90 days for Secured Products)

TAT

As per SLA

Approval Rates

55%

No of customers (FY 24 E) 

8500

ATS(Lakhs) – FY 24 E

35

PBT (in Cr. FY 24 E) 

70

Span (Nos)

4

Productivity (files per CM)

22 




 

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section 

Function Context:

  1. Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has now ventured into Small Ticket Secured Lending (STSL) business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield segment
  2. Small Ticket Secured Lending (STSL) segment products line caters to funding medium to long-term working capital needs of small businesses and individuals, via a suite of customized medium and long tenured products which are primarily backed by collateral/security.
  3. Risk function is engaged in evaluating the creditworthiness of business entity/individual applicants by considering the quantitative & qualitative factors like the client credibility, size of the client business, earnings of an individual, capital adequacy, liquidity and management quality

 

Job Context:

  1. To ensure institutionalize the approval process for STSL proposals and ensure its seamless adoption by engaging with the sales teams to receive adequate documentation/ information for review and analysis
  2. To work towards continuous improvement of credit approval process in order to meet dynamic business and regulatory needs
  3. To monitor key initiatives and MIS with the sales team and institute mechanisms for complete safety of financed amount and timely regularization of margin shortfall
  4. To monitor team’s Turnaround Time and ensure it is as per the defined SLAs.

 

Key Challenges:

Frequently Asked Questions

What are the eligibility criteria for the Area Credit Manager - Rajkot - Unsecured job at Aditya Birla Group?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 8-10 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Area Credit Manager - Rajkot - Unsecured at Aditya Birla Group?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Area Credit Manager - Rajkot - Unsecured at Aditya Birla Group.

Is prior experience required for this position?

This role requires around 8-10 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the Area Credit Manager - Rajkot - Unsecured role at Aditya Birla Group?

You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.